I just recvd an answer from Dot Chance regarding my landlord possibly being in default. He doesn't speak

english, and has not changed his address so we get all his mail. The calls come to our phone number now, for him. He also is keeping his dogs in the barn in the backyard, and has alot of junk which I have been trying to tell him he needs to move out. He put a padlock on the fence in the backyard and doesn't allow us back there, even though we are renting the house. Does this seem like a Fair Housing Act problem? How many months do you need to be in default before the mortgage companies start contacting him?

Help the community by answering this question:

Answers

A Bank can give you a Notice of Default as soon as you've missed a payment. Generally, they wait until you are 60 or 90 days late. 90 days after the NOD they will file a Notice of Trustees Sale (NTS). Thge NTS sets a sale date no less than 21 days after the date of the NTS.

Once the sale has occured, it generally takes about a month for the Bank to knock on your door and ask you to leave. If you're lucky, they'll offer you what's called "Cash for Keys". If you're unlucky, they'll have the Sheriff evict you.

Unfortunately, Landlords all too often collect the rent while failing to pay the mortgage.

If you can call me at 951-571-9229 I will call the Title Company and do a search on filings against your property (which is more up to date than any online stuff).

Michele, how did you know what you were agreeing to when you moved into your home with the language barrier between you and your landlord? Did you sign a lease?

You should do a google search on landlord/tenant rights for your area and see what he came up with. If neither of you understand what the other is saying he may think that he rented you the house only and you may think that you rented the entire property.